Retirement Solutions Group, Inc.

Retirement the way YOU want it!

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North American Company for Life and Health Insurance


Updated Rates Available Now!

Rates Effective February 24, 2012

Download the newly updated rate sheet today! If you have any questions or for further product information, contact Marketing Support or visit

Texas Rate Update: Some annuity products have state-specific rates for Texas. Please review the updated rate sheet carefully for details.

Product Changes: Due to continued pressure from the low interest rate environment and our effort to maintain a strong operating position, North American will make product changes also effective February 24, 2012. View the memo for details.

Office Closure: In observance of the Presidents' Day holiday, North American will be closed on Monday, February 20th. For assistance during this time, visit

Download Now!

Additional Resources

State Availability Chart

State Disclosure Chart

Contact Us

Marketing Support:


Join North American for an exciting Web Seminar!

2011 Year in Review and
2012 Annuity Landscape
with special guest Sheryl Moore,
President and CEO of Moore Market Intelligence

  • Looking for updates on the 2012 regulations that affect your business?
  • Want to know where sales are headed in 2012?
  • Curious about innovative new product development?

Sheryl J. Moore will provide an update on the indexed annuity market and discuss what's in store for your business in the New Year!

Sheryl Moore Photo

Sheryl J. Moore is president of Advantage Group Associates, Inc.,, and Moore Market Intelligence. Collaboratively, these companies specialize in the fixed index annuity market, as well as the rapidly expanding indexed life line of business. Ms. Moore provides competitive intelligence, market research, product development, consulting services and insight to select financial services companies.


Tuesday, February 28th

11:00 a.m.

10:00 a.m.

9:00 a.m.

8:00 a.m.

Space is limited, register today!

Phone number: 877-937-0678
Participant Code: 1034218


Hosted by: Jonah Hardenbrook, Lead Marketing Consultant

For more information contact Marketing Support at 866-322-7066.

NA - North American

North American Annuity Service Center
4350 Westown Parkway | West Des Moines, IA 50266



North American cares about your privacy. You may view our complete privacy notice at our website,

To stop receiving any further e-mail communications from North American, including rate announcements, regulatory, product and other important messages, you may unsubscribe here. To begin receiving e-mail messages, please contact Marketing Support at 866-322-7066.

16057Z-HTML | PRT 02-28-12


NAC - North American Company


When the Market Gives you Lemons...

Trigger Your Client’s Retirement Income with the
NA Performance ChoiceSM
Fixed Index Annuity1

Opportunity to earn Interest Credit when
index performance is down.

The NA Performance Choice offers:

  • Inverse Performance Trigger Option
    Opportunity to earn Interest Credit when index performance is down!
  • Two Surrender Charge options to choose from: 8 and 12 Year.
  • Premium Bonus and Non-Premium Bonus Options2
  • And much, much more:
    Optional GLWB Rider3, Death Benefit, Nursing Home Rider
    4, Annual Transfer Options and 10 different Index Options.


Call Marketing Support for details on the
NA Performance Choice — 866-322-7066

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. The NA Performance ChoiceSM and NA Performance Choice PlusSM is issued on form LC/LS160A (certificate/contract), LR424A, LR426A, LR427A, LR428A, LR431A, LR433A, AE509A, AE510A, AE511A, and AE520A (riders/endorsements) or state variation by North American Company for Life and Health Insurance, West Des Moines, IA. This product, its features and riders may not be available in all states.
1. Fixed Index Annuities are not a direct investment in the stock market or indices. They are insurance products that provide an enhanced growth potential without experiencing loss of premium from market loss or fluctuation in the marketand may not be appropriate for all clients. 2. Products that have premium bonuses may offer lower credited interest rates and lower Index Cap Rates than products that don’t offer a premium bonus. Over time and under certain scenarios the amount of the premium bonus may be offset by the lower interest rates and lower Index Cap Rates. 3. The Income Pay® GMWB Rider is a guaranteed lifetime withdrawal benefit (GLWB) that is available for an additional cost and is issued on form AE513A (rider) and SP513B (spec. page) or appropriate state variation by North American Company for Life and Health Insurance, West Des Moines, IA. This rider may not be appropriate for all clients. 4. In states where rider is approved. Please contact your sales representative for state availability. If joint annuitants are named on the annuity, rider will apply to the first annuitant who qualifies for the benefit.



Annuity Service Center | P.O. Box 79905 | Des Moines, IA 50325


To: North American Annuity Agents

RE: New 403(b)/TSA Suitability Form

We have recently developed a condensed 403(b)/TSA Suitability Form (14947Z) to be used exclusively for 403(b)/TSA applications. This form may be used in lieu of Suitability Form 14211Z for 403(b)/TSA applications that include salary reduction. We have attached this document for your convenience or you can also access it online at

We believe the new 403(b)/TSA Suitability form will ease the process of submitting
403(b)/TSA applications that include salary reduction requests. If the application does not include a salary reduction request, please continue to submit Suitability Form 14211Z. Please note this new 403(b)/TSA Suitability form is optional; we will continue to accept Suitability Form 14211Z for all applications.


North American Company for Life and Health Insurance • Annuity Service Center

Benefits for Beneficiaries


Introducing a new, optional GMDB Rider available on our competitive Fixed Index Annuities1 that offers the potential to provide an enhanced death benefit to beneficiaries.

first 10 years2

years 11+2

(Compounded Annually)

The Bonus Credit is added to the GMDB Amount on each contract anniversary (not the Accumulation Value), until either reaching age 85 or until the GMDB Amount is equal to 200% of premiums (including premium bonus if applicable) less withdrawals.

  • Issue ages 0-75
  • Annual rider charge of 0.90%3


The GMDB Rider is available
on the following products:

  • North American Freedom Choice®
    (8-, 10-, 14-Year Surrender Charge Options)
  • North American CharterSM
    (14-Year Surrender Charge Option Only)
  • North American PrecisionSM
    (14-Year Surrender Charge Option Only)
  • NA Performance ChoiceSM
  • NA Performance ChoiceSM Plus

Are your clients searching for a way to provide additional financial security for their family and beneficiaries? Introducing North American’s new Guaranteed Minimum Death Benefit (GMDB), an optional rider that provides potential for an enhanced death benefit to beneficiaries while still taking advantage of the tax-deferral features of certain North American fixed index annuities.

Available with Income Pay® GMWB Rider 6% option only4. Since lifetime payments taken under Income Pay reduce the Guaranteed Minimum Death Benefit (GMDB) Amount, please review the brochure (14923Z) to understand the impact of the benefits and costs.

IMPORTANT: GMDB Training requirement
In order to offer this competitive new rider to your clients, all agents must complete the Death Benefit Certification training requirement.
Visit to complete training.

For more information on the states in which the new GMDB Rider is offered, view the State Availability Chart (6746Z)

Call Marketing Support Today!

NAC - North American Company
for Life and Health Insurance
4350 Westown Parkway • West Des Moines, IA 50266